| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: HAYS GROUP, INC, THE | 80 SOUTH EIGHTH STREET MINNEAPOLIS, MN 55402 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | $163K | $41K | $204K | 3.75% |
| HAYS COMPANIES, INC.3 Filed as: HAYS BENEFITS GROUP LLC | PO BOX 1414 MINNEAPOLIS, MN 554801414 | KAISER FOUNDATION HEALTH PLAN INC | $34K | — | $34K | 2.83% |
| HAYS COMPANIES, INC.3 Filed as: HAYS GROUP, INC, THE | 80 SOUTH EIGHTH STREET MINNEAPOLIS, MN 55402 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | $29K | — | $29K | 4.01% |
| HAYS COMPANIES, INC.3 Filed as: HAYS BENEFITS GROUP LLC | PO BOX 1414 MINNEAPOLIS, MN 554801414 | KAISER FOUNDATION HEALTH PLAN INC | $12K | — | $12K | 3.11% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 133 FEDERAL STREET, 2ND FLOOR BOSTON, MA 02110 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $13K | $2K | $15K | 5.68% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 133 FEDERAL STREET, BOSTON, MA 02110 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $1K | $5K | 3.51% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 133 FEDERAL STREET BOSTON, MA 02110 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $800 | $6K | 5.52% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 133 FEDERAL STREET BOSTON, MA 02110 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $4K | — | $4K | 7.35% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 133 FEDERAL STREET BOSTON, MA 02110 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $199 | $2K | 5.73% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 625 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 626 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | 384 | $7.0M |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | 517 | $722K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 905 | $55K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 625 | $256K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 625 | $153K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 625 | $106K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 625 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 905 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.